WorldTrips Travel Insurance Review 2024

WorldTrips sells travel medical insurance and trip protection plans for both domestic and international vacationers. It also sells travel insurance designed for frequent travelers, students and groups venturing overseas.

The core types of travel insurance packaged together in WorldTrips Atlas Journey policies include:

• Trip cancellation coverage: Trip cancellation insurance reimburses you for pre-paid, non-refundable deposits you forfeit if you cancel for a reason listed in the policy.
• Trip interruption insurance: Trip interruption insurance pays for a last-minute flight home and for unused, non-refundable expenses you paid for in advance.
• Emergency medical expenses: Travel medical insurance helps pay doctor and hospital bills, X-rays, lab work and medicine if you get sick or injured on your trip.
• Medical evacuation: Medical evacuation travel insurance pays for medically necessary medevac transportation.
• Travel delay coverage: If your trip is delayed due to a reason listed in the policy, travel delay insurance reimburses you for necessities, such as meals, after a specified amount of time.
• Baggage insurance: Baggage insurance can encompass lost bags, damaged bags, expenses due a baggage delay and more.

The Atlas Journey travel insurance plans from WorldTrips are designed for both domestic and international trips. There are three travel insurance plans to choose from—Premier, Preferred and Economy. That means you can select the amount of coverage that best suits your needs.

WorldTrips Atlas Journey travel insurance plans benefits comparison

Coverage type	Premier plan	Preferred plan	Economy plan
Trip cancellation	100% of trip cost up to $150,000	100% of trip cost up to $150,000	100% of trip cost up to $10,000
Trip interruption	150% of trip cost	150% of trip cost	100% of trip cost
Emergency medical	$150,000 (primary)	$100,000	$25,000
Emergency evacuation	$1 million (hospital of your choice)	$1 million	$250,000
Travel delay; 5-hour wait time	$2,000/$200 per day	$2,000/$150 per day	$500/$100 per day
Baggage loss	$2,000/$500 per item	$1,500/$500 per item	$1,000/$250 per item
Baggage delay; 12-hour wait time	$500	$300	$200
Missed connection; 3-hour wait time	$2,000	$1,500	$500
Airline ticket reissue or cancellation fees	$500	$500	$250
Travel inconvenience	$750/$150 per event	$750/$150 per event	none
Reinstate frequent traveler awards	$500	$500	$250
Pre-existing medical condition exclusion waiver	Available	Available	Available
Accidental death/dismemberment	$25,000	$20,000	$10,000

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WorldTrips Atlas Journey Premier travel insurance plan

WorldTrips’ Atlas Journey Premier (above) is its highest-rated plan according to Forbes Advisor’s ratings of the best travel insurance. It has the most robust coverage among the Atlas Journey plans. It is worth considering if you’re traveling overseas and have made lots of pre-paid, non-refundable reservations for your trip.

This travel insurance plan provides $150,000 in travel medical insurance per person. Though you can find travel insurance plans with $500,000 in medical expense coverage, you might find $150,000 to be sufficient.

The Atlas Journey Premier plan also offers $1 million in emergency evacuation insurance, which is among the highest limits typically included in travel insurance plans.

Travel delay and trip interruption benefits are also generous and in line with many competitors. The missed connection benefit of $2,000 is great compared to top competitors.

The Atlas Journey Premier plan also gives you the most options for customizing your coverage with add-on benefits and upgrades that provide the most flexibility for cancellation and interruption reimbursements.

WorldTrips Atlas Journey Preferred Travel Insurance Plan

The Atlas Journey Preferred plan might be a good fit if you want a solid travel insurance plan for a vacation abroad and high travel medical expense limits aren’t a major concern. It provides decent coverage for pre- and post-departure trip benefits.

The Preferred plan provides the same cancellation, interruption and emergency evacuation benefits as the Premier plan. It has slightly lower limits for delay, missed connection and baggage insurance. It also has lower travel medical expense coverage than the Premier plan, but it’s still decent at $100,000.

There are many optional upgrades you can add to a Preferred plan to customize your coverage.

WorldTrips Atlas Journey Economy Travel Insurance Plan

As the name suggests, the Atlas Journey Economy travel insurance plan is good for those wanting basic coverage. It may also be a good choice for travelers who are primarily concerned with standard trip cancellation and trip interruption coverage.

The Economy plan has lower benefit limits than the Premier and Preferred plans. Most notably it has travel medical expense limits of just $25,000 per person. That means it might not be ideal if you’re taking an international trip where your U.S. health plan may have limited or no coverage. It can supplement your individual health insurance plan if you are taking a domestic trip.

You can’t get cancellation and interruption upgrades for the Economy plan, but many add-on benefits are available for specialty coverage.

Here are more details of WorldTrips Atlas Journey travel insurance plans listed above.

Travel Delay

This benefit helps pay for meals, lodging and transportation if your trip is delayed for five hours or more for a reason listed in your policy. It applies to delays that occur on the way to your departure point, during your trip and on your way home.

Travel delay benefits for Journey plans also reimburse you for one free movie rental during a hotel stay and for charges to use the internet at the airport during a wait.

Missed Connection

If you arrive three or more hours late for your cruise, tour or flight departure due to a reason listed in your policy, this benefit pays the extra transportation cost for catching up to your itinerary. It also pays for unused, pre-paid, non-refundable portions of your trip you miss, up to your policy limits.

Missed connection benefits apply if there’s a common carrier (for instance, your airline) delay or severe weather prevents you from getting to your departure on time, among other reasons. It also covers missed connections due to quarantine, but otherwise does not apply if you are sick or injured.

Travel Inconvenience

The travel inconvenience benefit is not available for the Economy plan. This coverage compensates you up to your policy limits if:

• You arrive home late due to an airline delay or cancellation and miss two or more days of work.
• Your return flight is forced to land more than 50 miles from your original ticketed destination.
• A security breach at the airport delays your departure.
• You’re physically assaulted.
• You have a documented theft of your passport.
• Your credit card or debit card is canceled while you’re on your trip for unforeseen reasons.

Fees to Reinstate Mileage and Hotel Awards

This coverage comes into play if you cancel a trip due to a reason listed in your policy, and you used frequent flier miles or hotel rewards for any part of your trip. It will reimburse you up to your policy limits for the fees you pay to redeposit the miles or rewards in your account.

Travel benefits vary among WorldTrips’ travel insurance plans and so does pricing for each plan. Travel insurance costs generally vary by your age and trip cost. Here are examples of prices for WorldTrips’ Atlas Journey Premier plan.

Travelers and trip	Cost per trip for the WorldTips Atlas Journey Premier plan
Two travelers age 30, $3,000 trip cost, traveling to Mexico for 8 days	$138
Two travelers age 40, $6,000 trip cost, traveling to Italy for 17 days	$354
Family with two parents age 40 and two children, $15,000 trip cost, traveling to Italy for 17 days	$462
Family with two parents age 40 and two children, $15,000 trip cost, traveling to France for 17 days	$462
Family with two parents age 40 and two children, $15,000 trip cost, traveling to U.K. for 17 days	$462
Two travelers age 65, $6,000 trip cost, traveling to the Italy for 17 days	$562
Two travelers age 70, $3,000 trip cost, traveling to the Mexico for 8 days	$418

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The following coverage upgrades are available, based on your plan and state.

“Cancel for Any Reason” Coverage

“Cancel for any reason” coverage allows you to cancel a trip, regardless of the reason why. You can choose to be reimbursed either 50% or 75% of your trip costs when you buy this insurance upgrade for a Premier or Preferred plan. You must cancel your trip at least 48 hours before your departure to be eligible to file a claim.

“Interruption for Any Reason” Coverage

The “interruption for any reason” upgrade allows you to cut a trip short for reasons beyond what’s listed in your policy for interruption benefits. It is only available for the Premier plan. This “Trip interruption for any reason” travel insurance upgrade reimburses 50% of your trip cost as long as you are at least 48 hours into your trip.

Destination Weddings

This upgrade allows you to get trip cancellation benefits if the bride or groom of the wedding you are attending cancels the wedding after you bought your travel insurance policy. No coverage is available if you are the bride or groom and you cannot purchase this upgrade with the Economy plan.

Adventure Sports

This add-on extends coverage to include safari activities, bungee jumping, hang gliding and other extreme sports and activities.

Primary Coverage for Medical Expense Insurance

If you purchase this upgrade with the Preferred plan, benefits provided under emergency accident and sickness medical expense coverage will be considered primary, rather than secondary. Primary coverage is included with the Premier plan.

Rental Car Damage and Theft

This upgrade covers collision damage and the theft of a rental vehicle.

Medical Evacuation and Hospital of Choice

With this upgrade, you can double the medical evacuation coverage for Economy and Preferred plans. It also includes evacuation to the hospital of your choice.

Pet Care

If your dog or cat is traveling with you and needs care, this upgrade provides compensation for vet bills. It also adds cancellation and interruption coverage for the death or critical illness of your dog or cat.

If you suffer an accident or illness while traveling, pet care coverage can cover transportation for your pet home. It also covers pet boarding if you experience a trip delay caused by a reason covered by your travel insurance plan.

Primary Coverage, Higher Limits for baggage

This add-on doubles your baggage coverage limits and makes your baggage insurance primary, rather than secondary coverage.

Security/Terrorism

This optional upgrade helps pay for evacuation for personal security or political reasons. It also allows you to cancel a trip if a terrorist event occurs at your destination, including cyber terrorism, within certain time frames of your policy purchase. It also adds interruption benefits for civil unrest or riots lasting more than 12 hours.

This coverage can also pay for ransom and crisis response if you’re kidnapped, under certain conditions. Keep in mind that some countries are excluded from kidnapping coverage, for instance, Afghanistan and Somalia. Excluded countries are listed in the policy.

Vacation Rental

The vacation rental upgrade provides interruption benefits if your rental is not cleaned, is overbooked or if keys are lost.

Academics, Sporting Events, Volunteer and Mission Programs

This add-on benefit allows you to cancel a trip if after you bought a policy you are required to take an exam scheduled during your trip. It also adds cancellation coverage if you or your travel companion or family is required to participate in a theatrical or sporting event on a date during your trip. This coverage provides cancellation benefits if a festival, sporting event, concert or volunteer activity that was the sole reason for your trip is canceled.

Hunting and Fishing

The hunting and fishing upgrade covers cancellation due to government restrictions. It also provides coverage if you need to cancel because of illness or injury to you, your traveling companion, family members or your tour guide. In addition, this add-on benefit covers equipment if lost, damaged or stolen and reimburses for rental gear.

Comparison of Add-on Coverage for WorldTrips Atlas Journey Plans

Upgrade/add-on	Offered for Premier plan	Offered for Preferred plan	Offered for Economy plan
“Cancel for any reason”	Yes	Yes	No
“Interruption for any reason”	Yes	No	No
Destination wedding	Yes	Yes	No
Adventure sports	Yes	Yes	Yes
Primary medical	No (already included)	Yes	No
Rental car	Yes	Yes	Yes
Evacuation/hospital of choice	No (already included)	Yes	Yes
Pet care	Yes	Yes	Yes
Primary baggage	Yes	Yes	Yes
Security/Terrorism	Yes	Yes	Yes
Vacation rental	Yes	Yes	Yes
Events, academics	Yes	Yes	Yes
Hunting and fishing	Yes	Yes	Yes

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If you are most interested in having medical insurance abroad, another travel insurance plan option is Atlas Travel Insurance. This is different from the company’s Journey plans.

Atlas Travel Insurance is a travel medical insurance plan that allows you to choose your deductible, coverage length and overall maximum coverage amount. You can also opt to increase coverage for key benefits.

The Atlas Travel Insurance plan is worth considering if you are traveling internationally and need medical insurance, with some basic travel insurance coverage for trip delay, interruption and lost luggage.

Here are details on the WorldAtlas Travel Insurance medical expense policy.

• Up to $2 million overall maximum coverage
• Deductible choices of ​​$0, $100, $250, $500, $1,000, $2,500 or $5,000
• WorldAtlas pays 100% of eligible expenses after the deductible is met, up to the overall maximum limit (coinsurance)
• $1 million in emergency evacuation benefits
• Compensation of $50 a day if forced into quarantine
• $25,000 in personal liability insurance
• $10,000 in trip interruption insurance
• $1,000 in lost baggage insurance
• $100 per day travel delay benefits for overnight stays after a delay of 12 hours or more

The plan also includes coverage for political evacuation, accidental death and dismemberment and crisis response if you’re abducted. Review your policy for coverage limits and exclusions.

Additionally, if a natural disaster strikes or is forecasted while on your trip, the plan provides reimbursement for alternative accommodations.

WorldTrips Atlas On-The-Go Travel Insurance Plan

The Atlas On-The-Go travel insurance plan is designed for those who want basic coverage without trip cancellation benefits. For instance, if you’ve waited until a day before your departure to buy travel insurance, you likely won’t need cancellation insurance. The aptly-named Atlas On-The-Go plan might make sense if you’re looking for minimal coverage for post-departure emergencies.

WorldTrips Atlas On-The-Go Travel Insurance Benefits

Coverage type	Benefit per person
Trip interruption	1,500.00
Travel delay of five hours or more	$1,500/$200 per day
Missed connection	$500
Emergency medical expense	$50,000
Emergency medical evacuation	$500,000
Baggage loss	$1,500/$500 per item
Baggage delay after 12 hours	$500
Accidental death and dismemberment	$25,000
Pre-existing condition lookback period	90 days

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Here are examples of exclusions under travel medical expense coverage for WorldTrips travel insurance plans:

• Mental, nervous or psychological disorders (unless hospitalized for more than 72 hours)
• Intoxication
• Participating in organized or contact sports
• Traveling against the advice of a physician
• Elective treatment and procedures
• Medical tourism
• Self-inflicted injury

WorldTrips offers assistance services to all customers who purchase an Atlas Journey or Atlas On-The-Go travel insurance plan. Here are some of the services provided by the 24/7 travel assistance team:

• Emergency travel arrangements
• Interpretation services
• Coordination of local embassy and consular services
• Concierge services, such as destination profiles, event ticketing and shopping consultations
• Prescription replacement assistance
• Legal consultation and referral
• Emergency messaging to family

Forbes Advisor researched and analyzed 39 policies to find the best travel insurance. When companies had more than one travel insurance policy we used the highest-scoring plan. Ratings are based on the following metrics.

Cost (25% of score): We analyzed the average cost for each travel insurance policy for trips to popular destinations:

• Couple, age 30 for a Mexico trip costing $3,000.
• Couple, age 40, for an Italy trip costing $6,000.
• Family of four for an Italy trip costing $15,000.
• Family of four for a France trip costing $15,000.
• Family of four for a U.K. trip costing $15,000.
• Couple, age 65, for an Italy trip costing $6,000.
• Couple, age 70, for a Mexico trip costing $3,000.

Missed connection coverage (10% of score): Travel insurance policies were awarded more points if they include missed connection benefits of $1,000 per person or more.

Medical expenses (10% of score): Travel insurance policies with travel medical expense benefits of $250,000 and up per person were given the highest points.

Medical evacuation (10% of score): Travel insurance policies with medical evacuation expense benefits of $500,000 and up per person were given the highest points.

“Cancel for any reason” upgrade (10%): Travel insurance policies received points if “cancel for any reason” upgrades are offered. More points were awarded for “cancel for any reason” upgrades with reimbursement levels of 75%.

Baggage delay required waiting time (5%): Policies with baggage delay benefits kicking in at 12 hours or less were given points.

Cancel for work reasons (5%): Travel insurance plans that allow cancellations for work reasons were awarded points.

Hurricane and weather (5%): Policies received points if the required waiting period for hurricane and weather coverage was 12 hours or less.

“Interruption for any reason” upgrade (5%): Policies were awarded points if they offered an “interruption for any reason” upgrade.

Pre-existing medical condition exclusion waiver (5%): Points were given to policies that cover pre-existing medical conditions (if purchased within a required timeframe after the first trip deposit).

Travel delay required waiting time (5%): Policies with travel delay benefits kicking in after six hours or less were given points.

Trip interruption travel insurance (5%): Points were given if trip interruption reimbursement is 150% or higher.